TPD Insurance Calculator.
Calculate Total & Permanent Disability insurance needs. See how much TPD cover protects you if you can never work again due to illness or injury.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Total & Permanent Disability (TPD) insurance pays a lump sum if you become permanently unable to work due to illness or injury. Unlike income protection (which pays monthly until you recover), TPD is for worst-case scenarios — a spinal injury, severe stroke, or degenerative condition that ends your career permanently. The lump sum covers debt repayment, medical expenses, home modifications, and ongoing living costs. Most super funds include basic TPD, but it's often insufficient and uses the restrictive 'any occupation' definition.
Real-world scenarios
Surgeon with Own Occupation TPD
Dr. Chen, 42, earns $350,000. A hand tremor develops making surgery impossible.
Under 'own occupation': Dr. Chen can claim — she can't perform surgery. Under 'any occupation': claim likely DENIED — she could work as a consultant, lecturer, or GP. This illustrates why 'own occupation' is critical for specialists.
Tradesperson with Family
Dave, 38, earns $90,000. Mortgage: $400,000. Two kids. Has $150,000 TPD in super.
Recommended TPD: debts ($400,000) + income replacement ($90,000 × 22 years discounted ≈ $1,200,000) + medical ($20,000 × 22 = $440,000) = $2,040,000. Existing: $150,000. Gap: $1,890,000. Even a $1M policy would transform his family's situation.